CreditAccess Grameen Q2 FY27: record quarterly PAT of INR 502 Cr, FY27 guidance raised
Q2 FY27 PAT up 298.7% to INR 501.6 Cr, AUM up 19.5% to INR 30,946 Cr, GNPA down to 1.79%.
By ScoutQuest · · 1 min read
- PAT Q2 FY27
- INR 501.6 Cr, up 298.7% versus INR 125.8 Cr a year earlier
- AUM Growth
- INR 30,946 Cr, up 19.5% YoY
- GNPA
- 1.79% versus 3.65% a year earlier
- Period
- Q2 FY27
- Positioning
- The company presents itself as an inclusive finance lender with INR 30,946 Cr AUM, 44.98 lakh borrowers and 2,326 branches across 16 states and 1 UT, with industry-leading cost structures.
📈 Q2 FY27 profit after tax was INR 501.6 Cr versus INR 125.8 Cr a year earlier, with net interest income up 30.9% to INR 1,277.8 Cr and PPOP up 39.6% to INR 970.2 Cr. AUM grew 19.5% YoY to INR 30,946 Cr and disbursements 19.4% to INR 6,355 Cr.
📉 Asset quality improved: GNPA fell to 1.79% from 3.65% a year earlier, PAR 90+ was 1.11% and collection efficiency was 97.9%/98.1%. The company says asset quality is back to pre-crisis levels, the best in 10 quarters, and it holds a 0.45% macro-prudential buffer.
🎯 Management has revised FY27 guidance on H1 performance: NIM 14.4-14.7% (from 12.8-13.2%), cost-to-income 29.0-30.0% (from 33.0-35.0%), ROA 5.2-5.8% and ROE 21.0-24.0%, while keeping AUM growth at 20-25% and credit cost at 3-4% given the macro environment.
💰 The company points to a diversified liability base (bank borrowings 61.5%, foreign 23.4%, 77.6% long-term), CRAR of 26.9% and growing retail finance, now 23.3% of AUM, as support; it says it passed ~50bps pricing benefit to customers from Oct-26.
Also from CreditAccess Grameen
Audio recording of Q2 FY27 results conference call held October 22, 2026 posted on website
23 Oct 2026
CreditAccess Grameen posted a strong quarter with sharp profit growth, though management flagged emerging drought-related stress in Maharashtra
23 Oct 2026
CreditAccess Grameen's profit rose nearly four times with asset quality remaining stable despite weather-related stress
23 Oct 2026
More numbers
- AUM, Q2 FY2730,946 (INR Cr)
- Profit after tax, Q2 FY27501.6 (INR Cr)
- PAT growth YoY, Q2 FY27298.7%
- Net interest income, Q2 FY271,277.8 (INR Cr)
- PPOP, Q2 FY27970.2 (INR Cr)
- Disbursements, Q2 FY276,355 (INR Cr)
- AUM growth YoY, Q2 FY2719.5%
- GNPA, Q2 FY271.79%
- NIM, Q2 FY2715.1%
- CRAR, Q2 FY2726.9%
- Total equity, Q2 FY278,919.0 (INR Cr)
- Branches, Sep-262,326
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